Retirement fears, energy bills, no money, frugality and your mental health.

1. This is Americans’ Greatest Financial Fear in Retirement

Money Talks News — Forget about not having enough money or living beyond your retirement savings — most Americans fear medical expenses. And for good reason. As Karla points out: “a married couple would need $259,000 to be 90 percent sure that they could cover their out-of-pocket” expenses during retirement.

But there is some hope. Experts say we should start living a healthier lifestyle now. Once we become much older and maybe sick, that choice probably won’t be available. If you’re worried about healthcare costs, give this post a read.

2. How to Lower Your Energy Bill and Save Money on Electricity

Brokepedia — When summer arrives the electric bill usually gets more expensive. But Alex provides some cool tips that should lower your bill. I like the first tip: “Use cold water in your washing machine.” He quotes LG as saying nearly “90 percent of your washing machine’s energy usage is due to heating water.”

He also discusses installing solar panels. We actually interviewed J.W. Brooks from The Green Swan not long ago. He installed solar panels and loves them. Give Alex’s post a read and start lowering your electric bill now.

3. How to Get Out of Debt with No Money

Financial Best Life — If you’re barely scraping by, paying down debt may seem impossible. Fortunately, Lauren provides five tips that will help even the most financially strapped people. Everyone should exercise the first tip: “Review where your money really goes.”

If you don’t know what you’re spending money on, you’ll never get your finances in order. Once you do that, the next step follows nicely — cutting expenses. For example, stop eating out at restaurants or spending outrageous amounts on cable or cell phone service. Once you read her post, check out this one on staying motivated when paying down debt.

4. How to Be Frugal Because You Want to, Not Because You Have to

Frugal Rules — Chonce believes why you choose a frugal lifestyle is important. She adopted her frugal ways  when she graduated college. Money was tight. But once her finances improved, she continued her lifestyle because it afforded her other things besides material things.

For example, if you don’t inflate your lifestyle you can save for an emergency fund or increase your retirement investments. It makes sense. After all, over spending never helps anyone. Read her post and then check out’s Profile on Chonce.

5. Your Mental Health & Money

Money After Graduation — Money problems stress people out. Bridget discusses this issue in detail and also provides insightful “tips for dealing with anxiety, stress, and depression and money.” I like the first tip: Don’t focus on your balances unless you’re making a payment.

Some people constantly pull up their balances and obsess over them. That doesn’t help. It hurts. She also discusses how working with your creditors is much more productive than working against them. Read this post if you’re stressed out about money.

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Brian Bienkowski

Brian Bienkowski


Bienkowski is a contributing writer and is the face of's 'By the Numbers' videos.

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Article last modified on December 26, 2017 Published by, LLC . Mobile users may also access the AMP Version: Around the Web: Financial Fears - AMP.